YRD
Yiren Digital Ltd.
Next earnings Jun 25, 2026 (before open)
$1.44
▲ +30.91%$1.44▼ -74.45%
over 1Y
L $1.09H $6.60
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+30.9%
1W+30.9%
1M+6.7%
3M-11.1%
YTD-62.4%
1Y-74.4%
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 8 analysts
Sell
Conservative balance sheet (liabilities/equity 0.45x); but thin net margin (1.0%).
Revenue (FY2025) $818M · FY2025
The read
Weak on both the fundamentals and the price — little to like at the current level.
Yiren Digital Ltd. shows $818M in FY2025 revenue, a 1.0% net margin, and 0.6% ROE.
Supporting the case: conservative balance sheet (liabilities/equity 0.45x).
Rule-based analysis, generated automatically from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 22, 2026, 12:11 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | $818M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | -$850M |
| Net income | $162M | $173M | $293M | $217M | $7.80M |
| Diluted EPS | $0.95 | $0.99 | $1.64 | $1.24 | $0.04 |
| Net margin | — | — | — | — | 1.0% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF1.3
PEG (trailing)—
Earnings yield6.2%
FCF yield76.9%
Quality & risk
ROIC (est.)-50.6%
Free cash flow$96.9M
Total debt—
Net cash$479M
Capital returns
Buyback yield0.0%
Dividend yield (est.)31.0%
Shareholder yield31.0%
Shares Δ YoY+1.2%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Recent filings
all on EDGAR ↗6-KPeriod ending 2026-07-022026-07-02open ↗6-KPeriod ending 2026-06-262026-06-26open ↗SCHEDULE 13D/AFiling2026-06-08open ↗4Period ending 2026-06-052026-06-08open ↗6-KPeriod ending 2026-06-082026-06-08open ↗6-KPeriod ending 2026-06-012026-06-01open ↗6-KPeriod ending 2026-05-272026-05-27open ↗20-FPeriod ending 2025-12-312026-04-29open ↗3Period ending 2026-04-222026-04-23open ↗3Period ending 2026-03-272026-03-27open ↗3Period ending 2026-03-262026-03-26open ↗6-KPeriod ending 2026-03-202026-03-20open ↗
Frequently asked
- Is Yiren Digital Ltd. (YRD) a buy?
- YRD currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Conservative balance sheet (liabilities/equity 0.45x); but thin net margin (1.0%).
- What is YRD's fair value?
- A Modified-Graham model based on YRD's SEC fundamentals estimates a fair value of about $0.32. It is an estimate from reported earnings, not a price target.
- Is YRD overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, YRD currently appears overvalued relative to its SEC-grounded earnings power.
- What is Yiren Digital Ltd.'s quality score?
- YRD scores 51.48664122137404/100 (grade C-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001631761, latest 6-K filed 2026-07-02) · EODHD · as of 6/22/2026, 4:11:33 PM.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.